Bay Credit Union - Nationwide Branches
| Branch | Address | View Lobby Hours |
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Scotts Valley
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255 Mount Hermon Rd Ste C, Scotts Valley, CA 95066 |
View Lobby Hours
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Watsonville Branch
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1481 Main St, Watsonville, CA 95076 |
View Lobby Hours
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River Street
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420 River St Ste C, Santa Cruz, CA 95060 |
View Lobby Hours
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Freedom Branch
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2028 Freedom Blvd, Freedom, CA 95019 |
View Lobby Hours
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Ben Lomond Branch
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9440 Mill St, Ben Lomond, CA 95005 |
View Lobby Hours
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Aptos Branch
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105 Post Office Dr Ste A, Aptos, CA 95003 |
View Lobby Hours
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Corporate Office
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3333 Clares St, Capitola, CA 95010 |
View Lobby Hours
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Live Oak
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5300 Soquel Ave Ste 201, Santa Cruz, CA 95062 |
View Lobby Hours
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Featured - 30 Year Fixed Mortgage Rates 2024
NMLS ID: 1835285
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6.494%
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6.375% |
0.75 |
$4,000 |
$1,997 |
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NMLS ID: 1025894
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6.863%
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6.750% |
1.00 |
$3,705 |
$2,076 |
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NMLS ID: 3030
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7.325%
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7.250% |
0.75 |
$2,400 |
$2,183 |
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NMLS ID: 491986
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Featured - Home Equity Line Of Credit Rates 2024
Third Federal Savings and Loan
See Table
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Intro APR
7.240 %
After Intro: 7.240 %
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$0
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Learn More
More Info
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Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
- Third Federal rate are typically 20% lower than other leaders
- Guaranteed Lowest Rate
- No closing costs, prepayment penalties, or minimum draw requirements
- 10 year draw period
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Rate
See Table
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Intro APR
7.900 %
After Intro: 7.900 %
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$25,000
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Learn More
More Info
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A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.
Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
- Apply in 5 minutes, get your money in as fast as 5 days.
- Digital application experience.
- Funds directly to your bank account.
- No in-person appraisal needed.
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